MetroCity Bankshares, Inc.
MCBS Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$36.00
KIRA · Stoqly’s AI analyst, in plain words
- MetroCity Bankshares, Inc. had $156M of revenue in fiscal 2025, up 10.2% on the year before. Over five years, revenue changed +10.8% a year on average.
- MetroCity Bankshares, Inc. made $68.5M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 9.1% a year.
- MetroCity Bankshares, Inc. returned $27.6M to shareholders in fiscal 2025, 74% of free cash flow. The diluted share count rose 1.7%.
- It earned 14.2% on shareholders’ money. Running costs took 40.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.0B
P/E
12.5x
Revenue
$156M
Net income
$68.5M
Return on equity
14.2%
Efficiency ratio
40.6%
MetroCity Bankshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+10.2%
Yes. Sales grew 10.2% last year.
Does it make a profit?
44.0%
Yes. It keeps 44.0% of every sale as profit.
How lean are its costs?
40.6%
Lean. Running costs take 40.6% of revenue.
How much does it earn on its capital?
14.2%
Good. It earns 14.2% a year on shareholders’ money.
How is the share priced?
12.5x
One share costs 12.5 times its yearly profit per share.
What MetroCity Bankshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- MetroCity Bankshares, Inc.
- CIK
- 0001747068
MetroCity Bankshares, Inc. · MCBS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $138M | $138M | $120M | $141M | $156M |
| Revenue growth | 47.7% | −0.1% | −13.1% | 18.0% | 10.2% |
| Net interest income | $104M | $120M | $101M | $118M | $130M |
| Net income | $61.7M | $62.6M | $51.6M | $64.5M | $68.5M |
| Net margin | 44.8% | 45.5% | 43.1% | 45.7% | 44.0% |
| Diluted EPS | $2.39 | $2.44 | $2.02 | $2.52 | $2.64 |
| Cash | |||||
| Cash from operations | $65.4M | $135M | $82.1M | $63.5M | $37.7M |
| Capital expenditure | $0.4M | $2.4M | $4.9M | $1.3M | $0.7M |
| Free cash flow | $65.0M | $132M | $77.2M | $62.2M | $37.0M |
| FCF margin | 47.2% | 96.1% | 64.5% | 44.1% | 23.8% |
| Dividends paid | $11.8M | $15.3M | $18.2M | $21.1M | $24.8M |
| Share buybacks | $5.5M | $8.2M | $2.0M | $0.0M | $2.7M |
| Share count change | −0.0% | −0.4% | −0.7% | 0.2% | 1.7% |
| Debt and strength | |||||
| Cash and short-term investments | $441M | $179M | $145M | $250M | $384M |
| Loans, net | $2.5B | $3.0B | — | — | — |
| Deposits | $2.3B | $2.7B | $2.7B | $2.7B | $3.6B |
| Shareholders' equity | $290M | $349M | $382M | $421M | $544M |
| Returns and quality | |||||
| Return on equity | 23.1% | 19.6% | 14.1% | 16.1% | 14.2% |
| Return on tangible equity | 21.3% | 17.9% | 13.5% | 15.3% | 14.4% |
| Efficiency ratio | 35.0% | 35.8% | 39.9% | 37.8% | 40.6% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
MetroCity Bankshares, Inc. · MCBS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $36.00 a share, the company is worth $1.0B: 12.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001747068). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.